Last update: Oct 2026

Cost of Living Comparison Between Oslo and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,538 in Oslo, rent and utilities included – about $26,300 less a year. Rent and utilities account for most of the difference.

170

Cost of Living Index in Oslo
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Oslo Living Index
65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Oslo

🇳🇴 Norway

$3,538

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Oslo and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Oslo and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,538 in Oslo versus $1,349 in Ubud, Bali.

Oslo $3,538
Ubud, Bali $1,349

Estimated couple costs with rent: $5,096 in Oslo versus $2,305 in Ubud, Bali.

Oslo $5,096
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $6,653 in Oslo versus $3,261 in Ubud, Bali.

Oslo $6,653
Ubud, Bali $3,261

Living in Oslo is roughly 162% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$21.75 NOK 200

$3.32 Rp 60.2K

555.12%

Three-Course Dinner for Two, Mid-Range

$130 NOK 1,193

$35.64 Rp 645.8K

264.20%

Fast Food Meal (McDonalds, etc)

$16.04 NOK 147

$5.53 Rp 100.3K

190.05%

Cappuccino

$5.84 NOK 53.7

$2.72 Rp 49.3K

114.71%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$4.38 NOK 40.21

$1.70 Rp 30.8K

157.65%

Water (0.33 liter bottle)

$3.35 NOK 30.75

$0.76 Rp 13.8K

340.79%

Local Beer (0.5 liter draught)

$11.65 NOK 107

$2.65 Rp 48.1K

339.62%

Imported Beer (0.33 liter bottle)

$12.81 NOK 118

$4.38 Rp 79.4K

192.47%

Milk (1 liter)

$2.61 NOK 24.00

$1.49 Rp 27.0K

75.17%

White Bread (500g)

$4.38 NOK 40.27

$2.28 Rp 41.2K

92.11%

Rice (white) (1kg)

$4.70 NOK 43.19

$1.19 Rp 21.6K

294.96%

Eggs

$6.25 NOK 57.4

$2.04 Rp 36.9K

206.37%

Local Cheese (1kg)

$15.48 NOK 142

$17.70 Rp 320.8K

-12.54%

Chicken Fillets (1kg)

$15.84 NOK 146

$3.96 Rp 71.8K

300.00%

Beef Round Steak (1kg)

$32.30 NOK 297

$12.19 Rp 220.9K

164.97%

Apples (1kg)

$3.36 NOK 30.83

$3.66 Rp 66.2K

-8.20%

Banana (1kg)

$2.72 NOK 25.03

$1.52 Rp 27.5K

78.95%

Oranges (1kg)

$3.65 NOK 33.54

$2.23 Rp 40.4K

63.68%

Tomato (1kg)

$5.96 NOK 54.8

$1.97 Rp 35.7K

202.54%

Potato (1kg)

$2.69 NOK 24.75

$1.85 Rp 33.5K

45.41%

Onion (1kg)

$2.85 NOK 26.18

$2.42 Rp 43.9K

17.77%

Lettuce (1 head)

$3.26 NOK 29.96

$0.99 Rp 17.9K

229.29%

Water (1.5 liter bottle)

$2.50 NOK 22.96

$0.51 Rp 9,303

390.20%

Cigarettes 20 Pack (Marlboro, Camel)

$19.21 NOK 176

$2.22 Rp 40.3K

765.32%

Wine (Bottle)

$16.64 NOK 153

$22.24 Rp 403.0K

-25.18%

Local Beer (0.5 liter bottle)

$3.60 NOK 33.08

$2.26 Rp 41.0K

59.29%

Imported Beer (0.33 liter bottle)

$4.23 NOK 38.82

$2.97 Rp 53.8K

42.42%

One-way Ticket (Public Transport)

$5.02 NOK 46.13

$0.25 Rp 4,548

1908.00%

Public Transport Monthly Pass (Regular Price)

$83.5 NOK 767

$7.82 Rp 141.8K

967.14%

Taxi Start (Normal Tariff)

$12.39 NOK 114

$0.44 Rp 7,964

2715.91%

Taxi (Normal Tariff) (1km)

$1.84 NOK 16.93

$0.43 Rp 7,793

327.91%

Taxi 1hour Waiting (Normal Tariff)

$70.8 NOK 651

$5.41 Rp 98.0K

1209.06%

Gasoline (1 liter)

$2.48 NOK 22.79

$0.82 Rp 14.9K

202.44%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$49.9K NOK 458.4K

$23.8K Rp 432.0M

109.30%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$44.7K NOK 410.5K

$31.7K Rp 575.3M

40.74%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$433 NOK 3,983

$79.1 Rp 1.4M

448.31%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$34.50 NOK 317

$6.45 Rp 116.8K

434.88%

Internet (50+ Mbps, Unlimited Data)

$55.7 NOK 512

$18.58 Rp 336.7K

199.68%

Gym Membership (Monthly)

$58.1 NOK 534

$49.48 Rp 896.7K

17.40%

Tennis Court (1 Hour on Weekend)

$29.79 NOK 274

$17.65 Rp 319.8K

68.78%

Cinema Ticket

$20.78 NOK 191

$4.27 Rp 77.4K

386.65%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$240 NOK 2,201

$491 Rp 8.9M

-51.16%

International Primary School, 1 Child (Yearly)

$16.2K NOK 148.5K

$5,674 Rp 102.8M

184.88%

Jeans (Levis 501 Or Similar)

$104 NOK 958

$44.64 Rp 808.9K

133.60%

Summer Dress (H&M, Zara, etc)

$61.8 NOK 567

$34.95 Rp 633.4K

76.68%

Sport Shoes (Adidas, Nike)

$135 NOK 1,239

$79.9 Rp 1.4M

68.82%

Men's Leather Business Shoes

$160 NOK 1,470

$79.4 Rp 1.4M

101.54%

1-bedroom Apartment, City Center (Monthly)

$2,133 NOK 19.6K

$1,125 Rp 20.4M

89.66%

1-bedroom Apartment, Outside City Center (Monthly)

$1,645 NOK 15.1K

$671 Rp 12.2M

144.96%

3-bedroom Apartment, City Center (Monthly)

$3,270 NOK 30.0K

$3,565 Rp 64.6M

-8.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,466 NOK 22.7K

$1,723 Rp 31.2M

43.08%

Buy Apartment in City Center (m2)

$12.4K NOK 113.6K

$2,732 Rp 49.5M

352.69%

Buy Apartment Outside City Center (m2)

$7,462 NOK 68.6K

$2,284 Rp 41.4M

226.69%

Average Monthly Net Salary (After Tax)

$4,703 NOK 43.2K

$164 Rp 3.0M

2770.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.94

13.78

-64.15%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Oslo: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Oslo

$1.6K 46.5%

Ubud, Bali

$672 49.8% 59.2% $973

Groceries & Markets

Oslo

$530 15%

Ubud, Bali

$288 21.4% 45.6% $242

Monthly Utilities & Internet

Oslo

$524 14.8%

Ubud, Bali

$104 7.7% 80.1% $420

Eating Out

Oslo

$407 11.5%

Ubud, Bali

$108 8% 73.5% $299

Clothing & Footwear

Oslo

$207 5.9%

Ubud, Bali

$108 8% 48.2% $100

Getting Around

Oslo

$125 3.5%

Ubud, Bali

$11 0.9% 90.9% $114

Sport & Entertainment

Oslo

$100 2.8%

Ubud, Bali

$58 4.3% 41.8% $42

Cost Breakdown

A one-bedroom apartment in the center runs $2,133 in Oslo and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Oslo pays about 29 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $130 in Oslo vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $530 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇴 Oslo

🇮🇩 Ubud, Bali

🕒 Local time

16:29 4:29 PM

23:29 11:29 PM

7 h ahead of Oslo

🌤 Weather

👥 Population

1,098,061 Capital

74,800

💱 Currency

Norwegian Krone NOK kr

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NOK = 10.88 USD

100 NOK = 9.75 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of November 1, 2026: 1 USD = 9.19 NOK (1 NOK = 0.109 USD). 1 EUR = 10.26 NOK (100 NOK = 9.75 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to NOK in detail →

On the map

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Between locations

Oslo Ubud, Bali 11,630 km ≈ 15 h nonstop flight

From you

Oslo
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Oslo vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 62% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Oslo is about 29 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,133 in Oslo versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $3,538 per month in Oslo versus $1,349 in Ubud, Bali – Ubud, Bali is about 62% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 91% less than in Oslo. The price difference matters if you commute daily and watch your budget.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Oslo and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 62% less than in Oslo. Beyond cost, consider language, visa policies, and how big the international community is in each city.